Regional Management Corp.

Regional Management Corp.

RMยทNYSE

$34.24

-3.8%
Financial ServicesFinancial - Credit Services

Regional Management Corp., a diversified consumer finance company, provides various installment loan products primarily to customers with limited access to consumer credit from banks, thrifts, credit card companies, and other lenders in the United States. It offers small and large installment loans; and retail loans to finance the purchase of furniture, appliances, and other retail products. The company also provides insurance products, including credit life, credit accident and health, credit property, vehicle single interest, and credit involuntary unemployment insurance; collateral protection insurance; and property insurance, as well as reinsurance products. In addition, its loans are sourced through branches, centrally managed direct mail campaigns, digital partners, and retailers, as well as its consumer website. As of February 24, 2022, the company operated through a network of approximately 350 branches in 14 states. Regional Management Corp. was incorporated in 1987 and is headquartered in Greer, South Carolina.

At a Glance

Live Snapshot
Market Cap$315.29M
EPS4.6300
P/E Ratio7.40
Earnings Date07/29/2026
3Y+38.0%
5Y+79.0%
10Y+209.0%
3Y+5.0%
5Y+377.0%
10Y+199.0%
3Y-39.0%
5Y-313.0%
10Y+130.0%
RM

Regional Management Corp. Cash Conversion Engine

RM ยท NYSE
Net Income44.41M
Depreciation & Amortization0.00
Stock-Based Compensation0.00
Change in Working Capital-6.15M
Others270.81M
Capital Expenditures-4.76M
Free Cash Flow304.31M

Cash Flow Quality Analysis

FCF Conversion Rate

685.2%

Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.

CapEx Intensity

1.5%

Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.

FCF Growth Trend

+15.3%

Strong FCF growth demonstrates improving cash generation and business momentum. Positive signal for sustainability.

Working Capital Impact

-$6.15M

Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.

Cash Flow Quality Insight

Exceptional cash generation: High-quality earnings converting to growing free cash flow. The company demonstrates strong pricing power, efficient operations, and disciplined capital allocation.

Regional Management Corp. Cash Flow Statement

RM โ€ข NYSE

Regional Management Corp. Cash Flow StatementDec 2025Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020Dec 2019Dec 2018Dec 2017Dec 2016Dec 2015Dec 2014Dec 2013Dec 2012Dec 2011Dec 2010Dec 2009
OPERATING ACTIVITIES
44.4M
41.2M
16M
51.2M
88.7M
26.7M
44.7M
35.3M
30M
24M
23.4M
14.8M
28.8M
25.4M
21.2M
16.4M
9.9M
0.0
14.1M
14.6M
12.7M
11.7M
13.3M
10.9M
8.8M
7.4M
6.4M
3.8M
3.8M
3.5M
2.6M
1.3M
1.7M
1.1M
0.0
4.2M
112K
4.8M
-4.3M
676K
-1.4M
-4.2M
5M
1.9M
-122K
-4.5M
-3.3M
6M
4.4M
2.9M
-98K
0.0
11.2M
11.8M
10.8M
7.4M
5.6M
5.1M
6.9M
4.3M
4.2M
3.6M
2.3M
1.6M
542K
191K
0.0
360K
270.8M
197M
206.3M
169.4M
70.7M
124.3M
100M
87.4M
77.6M
63.2M
48.1M
69M
38.8M
27.8M
18.1M
977K
19.6M
(6.1M)
(2.7M)
(3.1M)
(27M)
(23.1M)
(7.1M)
(14.7M)
(3.6M)
(15.7M)
(12.6M)
(12.4M)
(15.2M)
(16.2M)
(14.3M)
(7.5M)
(8.5M)
(4.8M)
-6.1M
1.2M
450K
-24.5M
14.9M
2M
5.7M
12M
-8.9M
186K
3.7M
167K
3.3M
-4.7M
-4.2M
2.6M
316K
309.1M
268.9M
249.2M
224.3M
189M
172.6M
165.1M
146.3M
115.4M
99.9M
82.4M
85.5M
72.6M
57.6M
41M
41.2M
31.2M
INVESTING ACTIVITIES
(0.0)
-5.1M
-12.1M
-11.4M
-6.9M
-5.8M
-7.4M
-6.8M
-11.1M
-11.7M
-4.8M
-4.4M
-4.2M
-2M
-2.6M
-1.2M
-556K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(2K)
(59K)
(0.0)
(558K)
(721K)
(0.0)
-128K
-575K
-28.4M
(0.0)
(0.0)
(0.0)
(0.0)
-25.4M
-5.9M
-24M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-357K
-975K
-2.5M
(0.0)
-800K
0.0
26.9M
4.1M
3.1M
0.0
0.0
0.0
0.0
0.0
0.0
0.0
0.0
-137M
388K
0.0
0.0
0.0
-471.2M
-311.9M
-264.8M
-415M
-348.2M
-93M
-268.3M
-192.4M
-177.3M
-145.6M
-141.2M
-60M
-562K
-128.5M
-73.8M
-49.4M
-39.4M
-471.2M
-315.4M
-278.7M
-447.3M
-355.1M
-98.8M
-275.6M
-199.2M
-188.4M
-157.4M
-146M
-64.5M
-142.7M
-159.5M
-78.9M
-50.6M
-40.7M
FINANCING ACTIVITIES
-24M
-3.5M
-2.9M
-20.6M
-67.4M
-12M
-25M
0.0
-1.8M
-25M
-721K
0.0
0.0
39.8M
0.0
0.0
0.0
164.1M
78.2M
43.7M
246.2M
339.1M
-38.8M
147.7M
89M
79.8M
80.5M
69.8M
-21.3M
70.4M
60.6M
41.9M
7.2M
11.1M
-11.5M
-12.1M
-11.9M
-11.4M
-9.5M
-2.2M
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-24M
-3.5M
-2.9M
-20.6M
-67.4M
-12M
-25M
-692K
-1.8M
-25M
-721K
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
(0.0)
-4.2M
-9.1M
-2.5M
-8.6M
-18.8M
-5.3M
-5.8M
-7.9M
-4.2M
-1.5M
-3M
121K
539K
0.0
-156K
0.0
0.0
124.5M
53.4M
26.4M
205.6M
243.4M
-58.3M
116.9M
81.1M
73.8M
54.2M
67.2M
-21.1M
70.9M
100.3M
41.9M
7.2M
11.1M
CASH FLOW SUMMARY
-37.6M
7M
-3.1M
-17.4M
77.3M
15.4M
6.3M
28.1M
784K
-3.2M
3.6M
-109K
823K
-1.6M
4M
-2.2M
1.6M
135.6M
128.7M
131.8M
149.2M
71.9M
56.4M
50.1M
22M
4.4M
7.7M
4M
4.1M
3.3M
4.8M
856K
3M
1.4M
98M
135.6M
128.7M
131.8M
149.2M
71.9M
56.4M
50.1M
5.2M
4.4M
7.7M
4M
4.1M
3.3M
4.8M
856K
3M
304.3M
263.9M
237.1M
212.9M
182.2M
166.8M
157.7M
139.5M
104.3M
88.2M
77.7M
81.1M
68.4M
55.6M
38.5M
40M
30.7M

SEC Filings

RM - Filing history and reports

Filing TypeFiling DatePeriod EndingFiscal YearActions
8-K

8-K 2026

N/A

May 19, 2026
May 13, 2026
2026
8-K

8-K 2026

N/A

May 04, 2026
April 28, 2026
2026
10-Q

10-Q 2026 Q1

Q1

May 01, 2026
March 31, 2026
2026
8-K

8-K 2026

N/A

April 29, 2026
April 29, 2026
2026
DEF 14A

DEF 14A 2026

N/A

April 09, 2026
April 09, 2026
2026
8-K

8-K 2026

N/A

March 05, 2026
March 02, 2026
2026
8-K

8-K 2026

N/A

February 20, 2026
February 20, 2026
2026
10-K

10-K 2025 FY

FY

February 20, 2026
December 31, 2025
2025
8-K

8-K 2026

N/A

February 04, 2026
February 04, 2026
2026
8-K

8-K 2025

N/A

November 17, 2025
November 17, 2025
2025
Showing 1 to 10 of 283 filings